<ARTICLE>                                            9
<LEGEND>
THIS SCHEDULE CONTAINS SUMMARY FINANCIAL INFORMATION DERIVED FROM
THE ANNUAL REPORT ON FORM 10-K AND IS QUALIFIED IN ITS ENTIRETY BY
REFERENCE TO SUCH FINANCIAL INFORMATION.
</LEGEND>
<MULTIPLIER>                                      1000
       
                                            
<PERIOD-TYPE>                                  12-MOS
<FISCAL-YEAR-END>                              DEC-31-1997
<PERIOD-END>                                   DEC-31-1997
<CASH>                                               2,070
<INT-BEARING-DEPOSITS>                              13,579
<FED-FUNDS-SOLD>                                         0
<TRADING-ASSETS>                                         0
<INVESTMENTS-HELD-FOR-SALE>                         94,659
<INVESTMENTS-CARRYING>                                   0
<INVESTMENTS-MARKET>                                     0
<LOANS>                                            259,241
<ALLOWANCE>                                          3,235
<TOTAL-ASSETS>                                     374,972
<DEPOSITS>                                         275,221
<SHORT-TERM>                                        26,243
<LIABILITIES-OTHER>                                  4,164
<LONG-TERM>                                         21,482
<PREFERRED-MANDATORY>                                    0
<PREFERRED>                                              0
<COMMON>                                               234
<OTHER-SE>                                          47,628
<TOTAL-LIABILITIES-AND-EQUITY>                     374,972
<INTEREST-LOAN>                                     20,982
<INTEREST-INVEST>                                    7,968
<INTEREST-OTHER>                                       610
<INTEREST-TOTAL>                                    29,560
<INTEREST-DEPOSIT>                                  12,582
<INTEREST-EXPENSE>                                   4,380
<INTEREST-INCOME-NET>                               12,598
<LOAN-LOSSES>                                          773
<SECURITIES-GAINS>                                     (17)
<EXPENSE-OTHER>                                      5,835
<INCOME-PRETAX>                                      6,780
<INCOME-PRE-EXTRAORDINARY>                           6,780
<EXTRAORDINARY>                                          0
<CHANGES>                                                0
<NET-INCOME>                                         4,586
<EPS-PRIMARY>                                         2.31<F1>
<EPS-DILUTED>                                         2.24
<YIELD-ACTUAL>                                        3.47
<LOANS-NON>                                          2,773
<LOANS-PAST>                                             1
<LOANS-TROUBLED>                                         0
<LOANS-PROBLEM>                                      2,774
<ALLOWANCE-OPEN>                                     2,867
<CHARGE-OFFS>                                          447
<RECOVERIES>                                            42
<ALLOWANCE-CLOSE>                                    3,235
<ALLOWANCE-DOMESTIC>                                 3,235
<ALLOWANCE-FOREIGN>                                      0
<ALLOWANCE-UNALLOCATED>                                  0
<FN>
<F1>Basic earnings per share.
</FN>